Keep your business moving with flexible financing

Discover your business’ credit limit today, at no cost and no obligation

Find out more

  • Get £150 - £150,000
  • For 6 - 12 months
  • When you need it

Be cash-ready for your next opportunity

Business Capital is a flexible way to access funding on your terms. It provides you with an up front, no cost and no obligation credit limit so you can see how much your business can borrow. Then you can access the funding you need, when you need it, to help fill cash flow gaps, buy extra stock, invest in your short-term business needs, or cover costs while waiting for customers to pay you

See an example of what it could cost you to use

Total loan amount


Term: months

Interest payable: £, which is % of the loan amount or an average of £ per month

Your monthly repayments will be £

Rates from 8.9% APR, 18.9% APR representative*

*Representative example: If you borrowed £1,000.00 for 7 months at 17.4% (fixed) p.a. (representative 18.9% APR), the interest on the loan would be £58.83 and the total amount repayable would be £1,058.83. The monthly repayments would be £151.26. Your interest rate may be lower or higher than the representative APR based on your circumstances. To lend responsibly all loans are subject to status and eligibility checks.

Apply once
Use when you need to

Your credit limit shows you exactly how much money your business has access to at any one time. You’re in control of how much of your credit limit you want to borrow and how long for (up to 12 months).

To apply, tell us about you and your business and you should get a quick decision.

Apply Now

How it works

See what you can get
Once you’ve applied and have a credit limit, you know exactly how much you have available at any time
Here when you need it
Decide when and how much you want to borrow up to your credit limit, knowing you can have the cash in your account in minutes
Set your term length
Choose the repayment term that suits your business, from 6 to 12 months, and see the interest costs for your loan
Easy repayments
Pick which day of the month your Direct Debit is collected. Pay back earlier at no extra cost and save on interest charges

Why choose Business Capital?

You’re in control. You decide how much you use, which day of the month to pay, and there’s no early repayment fees
Simple application
We need just a few details about you and your business. You’ll get a quick decision at no cost or obligation
Clear pricing
See the total amount you can access upfront and only pay for the money you borrow. No hidden fees or charges
Part of Santander
We’re proud to be part of the Santander family, whose purpose is to help people and businesses prosper

Who can use Business Capital?

We’re here to help all sorts of businesses and people who work for themselves anywhere in the UK. All you need to be is:

  • A private limited company (UK registered)
  • A sole trader
  • Over 18
  • A UK resident
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Have a question?

Our helpful UK-based customer service team are on hand to answer your questions and to help you get set up

If you have any questions or want to talk to us, we've got several different ways for you to reach our friendly customer team. Find the one that suits you and when we're available on our contact page

If there is anything we haven’t covered, check our FAQs for more info

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Get started today

Find out what your credit limit is, at no cost or obligation use it